The median home in Union City, New Jersey is valued at $556,630, up 7.5% year over year. Typical monthly rent is $2,400, producing a price-to-rent ratio of 19.3x — near the national average of 18x. Union City is part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$556,630

+7.5%

Rent$2,400/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$111,326 on $556,630

Example: $75,000 household income. Change it above to see your own.

Out of reach65.2% of income

Need $174,729/yr to afford.

PITI$4,077

P/I65.2%

Afford$239K

Gap-$318K

P&I $2,815Tax $1,146Ins $117

Renting $1,677/mo cheaper ($2,400 rent)6.50% 30yr, 20% down, county tax + NJ ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in New Jersey

Compare Union City with other housing markets across New Jersey.

Deal$4.21M Alpine$2.96M Loch Arbour$2.88M Avalon$2.63M Stone Harbor$2.48M Bay Head$2.36M Sea Girt$2.3M Short Hills$2.26M

Full New York-Newark-Jersey City, NY-NJ-PA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the New York-Newark-Jersey City, NY-NJ-PA metro.

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Union City, NJ